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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 13-5674085 | Recordkeeping | $6,354 |
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $3,046 |
ADP BROKER-DEALER8+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $16,828 | $59,448-71.7% | $93,696-82.0% | $74,459-77.4% |
| Participation rate | 61.3% | 59.6%+1.6pp | 68.7%-7.4pp | 67.2%-6.0pp |
| Annual return | 17.67% | 82.11%-64.4pp | 133.74%-116.1pp | 1369.70%-1352.0pp |
| Employer contribution / active EE | $0 | $1,266-100.0% | $2,422-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $1,076 | $3,052-64.7% | $4,417-75.6% | $4,350-75.3% |
| Admin fee / account holder | $60 | $3,027-98.0% | $8,287-99.3% | $1,945-96.9% |